This is without a doubt one of the most hectic times of the year with everyone getting ready for the holiday season and making plans to be with their family. It’s also a very important time of the year for those who are on Medicare, as open enrollment is happening until the end of the month – December 31, 2009. Don’t wait until it’s too late to find out what is coming in Medicare in 2010 or you will find yourself with some very confusing changes.

If you don’t know about the changes coming, or don’t understand what you do know, ask a professional and highly experienced health insurance agent. They are fully trained in every product they offer and have the information at their fingertips when you ask questions about Medicare and the 2010 changes. A lot can happen in a year when you realize that changes are already happening in the health care system; some welcome and some not appreciated that much. A person’s health can also change drastically in a year.

Waiting until the final days of open enrollment doesn’t really benefit a senior who needs to have a Medicare plan that suits them, as once they discover what they’re used to is no longer available, they have difficulty adjusting to new options. Knowing those options in advance takes the pressure off a senior to decide on the last day of open enrollment what they want. Deciding something as major as health care coverage in a panic will not give them the kind of coverage they want or need.

Certainly there are changes to the Medicare system every year, but the changes happening now and the ones coming in 2010 are larger and have more impact than the ones that have taken place in the past. For instance, Medicare will be getting at least two “new” Medicare supplements in 2010. Finding out what those are now only makes good sense so you are prepared for the coming year.

Keep in mind that Medicare has specific enrollment periods. The first enrollment period ends at the end of December 2009, and Medicare customers are able to join the Medicare prescription Drug Plan Part D for the first time or make changes to what they already have in place. Seniors will, after the first of June 2010, have an astounding and somewhat confusing choice of 46 plans. Just about 29 of those plans will have either a full or partial deductible. The premiums will also range from about $22 a month on up to $104 a month. If there was ever a time to take some really wise advice about reading the fine print of every Medicare plan you are considering, this would be it.

Here is something else that seniors need to realize; in 2010 there will be 15 different Medicare Advantage plans. Call them Medicare Health options. Whatever you do choose to call them, if you haven’t had the training like your local health insurance broker, these new plans will throw you for a loop. 2010 will also bring with it some very significant changes in Medicare Supplement options. For this and other reasons, you really need to talk to a highly skilled health insurance professional to sort out what will work for you and your family.

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